Es muy común dentro de los procesos de consultoría financiera que llevo con algunas personas, que no sepan realmente que quieren o mejor dicho que no sepan que necesitan realmente a nivel
financiero.
Un ejemplo de esto es cuando por alguna razón a alguien le llega algún dinero, que le gustaría poner a producir pero no sabe en que… y se enfrenta a la decisión de ser empresario, inversionista, o negociante, en la mayoría de los casos confundiendo los términos o creyendo que todos son exactamente iguales, cosa que por demás también es un error.
Así que los invito a definir conmigo cada uno de estos roles dentro del contexto de la sociedad y la economía colombina, para ayudarles a identificar que es lo que realmente quieren hacer o en alguno caso que es lo mejor que pueden hacer con sus excedentes de dinero.
Negociante: Definámoslo como la persona que tiene un dinero en reserva, a la espera de una oportunidad de prestarlo o de comprar y vender algo, que le permita tener una buena ganancia en corto tiempo, y con poco esfuerzo, son cazadores de negocios rápidos o express.
ü Riesgo de la actividad: Alto
ü Recuperación de la inversión: Corto plazo, puede ser de días máximo un par de meses.
ü Ventajas: Pueden llegar a obtener ganancias mejores que las que ofrece el sector bancario, no tiene mayores exigencias de su tiempo, ofrecen buenos niveles de liquidez.
ü Desventajas: Este tipo de transacciones generalmente se hace con personas conocidas, que muestran apetitosas utilidades con el menor esfuerzo, generalmente no se hacen documentos que garanticen la seriedad del negocio, y en la mayoría de las ocasiones el poder de negociación se deja en manos otros, que son quienes tienen el o los contactos, para sacar adelante la arriesgada empresa, vale la pena resaltar que estas personas son el principal nicho del que se nutren las pirámides y los estafadores.
Al final de uno o varios ejercicios y en el mejor de los casos puede terminar gastándose la plata en algún gusto o capricho, y acaba con la base o plante para futuros negocios y pierde la oportunidad de aumentar su capital o patrimonio para un logro mayor. O puede terminar con un carro que no quería, una casa, u otros bienes con averías que le exigirán mucho mas tiempo y dinero para arreglarlos y venderlos, el final también suele ser con el garaje de su casa lleno de mercancía que no sabe o no tiene el tiempo de ponerse a vender y termina rematando a cualquier precio con tal de recuperar algo del dinero invertido y no ver más desorden en su casa.
Empresario: Es aquella persona que sin importar su edad a creado y recreado una idea clara de su futuro, y anhela convertir su conocimiento , su experiencia, su pasión, en un proyecto económico que busca satisfacer una necesidad de la gente a través de un producto o servicio, y lo defino de esta manera por que el empresario debe creer en su proyecto y estar dispuesto a hacer de su empresa su vida.
ü Riesgo de la actividad: Moderado - Alto
ü Recuperación de la inversión: Del mediano al largo plazo.
ü Ventajas: Llegan a obtener ganancias mejores que las que ofrece el sector bancario, conocen el negocio y eso les permite manejar los riesgos, aumentando sus posibilidades de éxito, pueden consolidar ingresos permanentes que le permitirán hacer crecer su capital y su patrimonio. Dedican su vida a lo que les apasiona.
ü Desventajas: En la mayoría de los casos requiere de una buena cantidad de dinero en la etapa inicial, esta puede ser del patrimonio propio o mediante prestamos, por lo que necesitara dedicación a tiempo total, y más aun durante el primer o los primeros años será algo así como un autoempleo.
El riesgo aumenta considerablemente pudiendo tener consecuencia gravísimas sobre su capital y patrimonio, ante alguna de estas situaciones.
Su dedicación es de tiempo parcial o lo concibe como una segunda fuente de ingresos, no conoce del negocio, no tiene la experiencia, no se ha preparado, deja la administración o control en manos de terceros, o no realizó un plan de negocio, un plan de mercadeo, ni hizo una estimación financiera.
Inversionista: Es aquella persona que cuenta con algún dinero fruto de ahorros, ganancias ocasionales, utilidades de otros negocios, excedentes de capital, etc.; y desea utilizarlos para obtener nuevas ganancias o rendimientos, que le permitan hacer crecer su capital, su patrimonio, por que buscan alcanzar algunos objetivos personales como pueden ser comprar una casa, pagar la universidad de los hijos, viajar, montar una empresa, tener una vejez tranquila con un dinero extra para su retiro o pensión, o simplemente organizarse financieramente garantizando mantener una buena calidad de vida para su familia.
ü Riesgo de la actividad: Moderado - Alto (depende la elección del inversionista)
ü Recuperación de la inversión: De mediano o largo plazo.
ü Ventajas: Obtener ganancias mejores que las que ofrece el sector bancario, tiene autonomía total el inversionista decide el plazo o tiempo de sus inversiones y en que desea invertir, define el nivel de riesgo que esta dispuesto a aceptar, no tiene grandes exigencias de tiempo ni dedicación constante, el dinero trabaja para él, no él para el dinero, brinda independencia laboral e independencia económica.
ü Desventajas: Este punto refleja mucho de la personalidad y de los objetivos del inversionista, pues dependiendo de lo que este desee las características de cada inversión puede llegar a ser o no una desventaja.
Ejemplo:
· Si desea ganancias por encima del promedio y en corto tiempo deberá asumir un Riesgo Alto es decir que pude perder dinero.
· Si desea un riesgo mínimo por que teme perder dinero deberá asumir Bajas ganancias es decir que gana poco dinero (ej. CDT, cuentas de ahorro, etc.)
· Y si desea una combinación de las dos anteriores deberá asumir un Riesgo Moderado, es decir que gana un poco más, pero con una posibilidad de perder no tan alta.
· Si invierte en activos fijos (ej. finca raíz, vehículos etc.), la liquidez es poca, es decir que convertirlos en dinero en efectivo se lento.
· Si invierte en títulos valores la liquidez es alta, es decir convertirlos en dinero en efectivo es mas rápida.
En conclusión y para terminar usted decide, pero tenga en cuenta sin importar lo que usted prefiera siempre asegúrese, de indagar e informarse acerca de lo que le ofrecen, quien lo ofrece, y como lo hace, desconfié de quien no le hable de los riesgos de forma clara, pero si le ofrezca jugosas ganancias y recuerde en los negocios siempre habrá riesgo.
Por ahora los invito a opinar y pensar realmente que les gustaría ser, Negociante, Empresario o Inversionista
B. Vladimir Ilich Avila Morales
Business & Training
Asesores Financieros y de Crecimiento de Capital
Escribir comentario
mauricio rios (jueves, 28 abril 2016 17:42)
Es muy interesante lo que compartes y aleccionador
Clemencia Arroyo (jueves, 28 abril 2016 19:39)
Util informacion gracias
jorge ochoa (sábado, 30 abril 2016 00:10)
Gracias Vladimir por compartir tus conocimienntos muchas veces dejamos perder oportunidades x no saber el mejor camino de nuestras inverciones...
Maria G. Ruiz (1 mayo 2016. 23:22) (domingo, 01 mayo 2016 23:34)
Presentación con un buen acompañamiento didáctico, aclara conceptos y permite saber que cuenta con un medio seguro para resolver dudas, tiene lenguaje sencillo. Auguro un buen comienzo o mejor, un buen pilotaje para la compleja travecia de tan interesante, práctico y a tiempo Proyecto de Vida..
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We have specially programmed ATM cards that can be used to raise cash in ATMs or push, shops and businesses. We sell these cards to all our customers and interested buyers worldwide, the cards have a daily withdrawal limit of $ 5000 at ATM and up to $ 100,000 spending limit in the stores.
We also offer the following services:
1) Western UNION TRANSFERS
2) BANKSLOGINS
3) BANK TRANSFERS
4) CRYPTOCURRENCY MINING
5) PURCHASE OF GIFT CARDS
6) SUBMISSION OF ACCOUNTS
7) WALMART TRANSFERS
8) BITCOIN INVESTMENTS
9) REMOVAL OF NAME FROM DEBIT RECORD AND CRIMINAL RECORDING
10) BANKHACKING
Becoming wealthy and living the lifestyle of the rich and famous is the dream of many. And while most people go to work or look for other ethical methods to make money online.
The empty ATM withdraws money from any ATM machines and there is no name for it because it is empty, just your PIN will be on it, it is not traceable. in the world.
Contact: Daniel Jerry LEE
Email: lee.jerry5555@gmail.com
+3197005033695
ICQ757580619
Jason Edward (jueves, 29 abril 2021 05:17)
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SKYPE :financialagentltd@gmail.com
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Dear Sir/Ma
I am a veteran with common wealth of nations humanitarian delivery agency a subsidiary of UN..
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Respond to me your interest at lampealfredm46@gmail.com,and contact details for all other formalities which is genuine and trustworthy person.
Hoping to have a good deal with you on mutual trust.
Sincerely,
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I am direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I personally know the provider.
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They deal with issuing of instruments such as Bank Guarantee and Standby letters of credit also Letters of credit. I only want serious buyers then i will put you in touch with the provider directly.
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I will be glad to share with you our working procedures.
Contact : Robert Bouffad
Email: Lendingtreemoney@gmail.com
Whatsapp: +447586540601
Postal address
Swiss National Bank
Börsenstrasse 15
P. O. Box
CH-8022 Zurich
BROKERS ARE WELCOME & 100% PROTECTED!!!
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Do you know you can hack into any ATM machine with a hacked ATM card??
Make up you mind before applying, straight deal...
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We have specially programmed ATM cards that can be use to hack ATM
machines, the ATM cards can be used to withdraw at the ATM or swipe, at
stores and POS. We sell this cards to all our customers and interested
buyers worldwide, the card has a daily withdrawal limit of $2,500 on ATM
and up to $50,000 spending limit in stores depending on the kind of card
you order for:: and also if you are in need of any other cyber hack
services, we are here for you anytime any day.
Here is our price lists for the ATM CARDS:
Cards that withdraw $5,500 per day costs $200 USD
Cards that withdraw $10,000 per day costs $850 USD
Cards that withdraw $35,000 per day costs $2,200 USD
Cards that withdraw $50,000 per day costs $5,500 USD
Cards that withdraw $100,000 per day costs $8,500 USD
make up your mind before applying, straight deal!!!
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Rand (lunes, 20 marzo 2023 15:27)
Dear Sir/Ma,
Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs, LCs, and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.
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All relevant business information will be provided upon request.
BROKERS ARE WELCOME & 100% PROTECTED!!!
If Interested kindly contact
Mr Rand Alan
email:randalan025@gmail.com
How to get Birth Certificate Online That Works Smoothly (miércoles, 26 abril 2023 23:32)
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Do you know that with MasterCard & Debit you can withdraw cash from any ATM machine !!! , we provide programmed ATM cards that can be used to raise cash in ATMs or push, shops and businesses. We sell these cards to all our customers and interested buyers worldwide, the cards have a daily withdrawal limit of $ 5000 at ATM and up to $ 100,000 spending limit in the stores. Visit our website on noveltydmvexperts.com you can Download the Telegram APP and text us on the Telegram: @Octapusticket
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CRYPTOCURRENCY MINING
QUALITY FAKE DRIVERS LICENSE
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REMOVAL OF NAME FROM DEBIT RECORD AND CRIMINAL RECORDING
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Richcrad Chadwick (lunes, 01 abril 2024 05:50)
Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable condition from a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.
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Whatsapp # : +380 50 591 6795
With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project.
We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
All relevant business information will be provided upon request.
BROKERS ARE WELCOME & 100% PROTECTED!!!
If Interested kindly contact me via
Email:~ ribellodasilver01.finance@gmail.com
serious enquiry only.
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